Updated on 12 Dec 2025
If you are planning to study in the UK as an international student, health insurance is something you must have. The United Kingdom has a good healthcare system, but treatment can be expensive if you are not covered. Health insurance helps you get medical care without worrying about high costs. Some students may need to pay the Immigration Health Surcharge (IHS) to use the National Health Service (NHS), while others might choose private health insurance for extra benefits.
In this blog, you can learn about the best travel insurance options, making it easier to stay safe, healthy, and stress-free during your time in the UK.
Why is health insurance required in the UK?
International students in the UK need health insurance. Although the National Health Service (NHS) may be able to offer the majority of services, having supplementary health insurance can have added advantages, like dental care, optical treatments, or faster access to specialists. Here is why health insurance matters:
- Comprehensive Care: The NHS will cover most basic healthcare needs, but additional insurance ensures complete care, including dental and optical services.
- Peace of Mind: Being away from home can be stressful. With health insurance, you know you're fully protected against unexpected medical bills and can focus on your studies.
- Cost Management: Healthcare is expensive, but insurance covers the cost of expenditures. You do not have to pay huge bills for treatment or medication.
Types of international student health insurance plans
There are various plans available for international students in the UK. These include:
- NHS Coverage: Most students will pay the Immigration Health Surcharge (IHS) and access NHS services.
- Private Insurance: It offers additional benefits and faster access to certain services not covered by the NHS.
- Specialised Student Plans: Tailored specifically for international students, these offer comprehensive coverage, including international travel insurance.
Benefits of health insurance for international students in the UK
Having health insurance while studying in the UK comes with several benefits. These are:
- Access to Specialists: Quick access to specialists and treatments that might have long waiting times under the NHS.
- Comprehensive Coverage: Includes services like dental, optical, and mental health support.
- Emergency Care: Coverage for emergency situations, ensuring you get immediate care when needed.
- Vaccinations and Prescriptions: Often covers costs of essential vaccinations and prescription medications.
Cost of health insurance for international students in the UK
The UK insurance fees for international students might differ depending on the nature of the plan you take. On a general note, for most routes of immigration, the health surcharge normally turns out to be around £470 annually. The cost of private insurance plans might differ based on your needs and level of coverage.
The insurance plans target students of different ages; in most situations, however, they include those aged between 18 and 30. A few may extend beyond this age limit, depending on the provider.
- Length and Level of Coverage
The length of coverage is mostly dependent on the period of study, which ranges from a few months to several years. Coverage at the basic or comprehensive levels depends on your needs and wallet.
What is the required length & level of insurance coverage?
The required length and level of insurance coverage depend on your needs and the rules where you live. Length means how long the policy protects you, while level means how much money it covers. Choosing the right balance ensures you stay protected without paying extra.
Things to consider while buying travel health insurance for UK
When buying travel health insurance for the UK, check if it covers medical emergencies, hospital stays, and doctor visits. Look for coverage of pre-existing conditions, lost luggage, and trip cancellations. Compare costs, policy limits, and claim processes. You have to choose the best insurance and a trusted provider for good assistance when you are living in a different country.
Conclusion
Health insurance is an important part of studying in the UK as an international student. It protects you from unexpected medical costs and offers peace of mind. With the right coverage, you can focus on your studies without worrying about high hospital bills. The National Health Service (NHS) provides good care, but having insurance ensures you get extra support if needed. Plan and research properly about the insurer you choose so that you can enjoy your work or student life in the UK peacefully. You can also fill out the form on this page, and experts will help you know about policies that suit your needs.
FAQs
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Do I really need travel health insurance for the UK?
It is advisable to have one as it helps cover medical costs if you fall sick or get hurt. Without it, you may have to pay a lot of money from your pocket.
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Does travel insurance cover pre-existing health problems?
Some policies cover them, but not all. Always check the details before buying.
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How do I choose the right travel health insurance?
Compare plans based on coverage, cost, and support services. Choose the one after proper research and check whether it is within your budget.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.